Cincinnati Insurance Company Reviews 2018 (Ratings, Coverage & Complaints)
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Cincinnati Insurance Company Reviews
Cincinnati Insurance Company Reviews. All businesses face a variety of different risks. There are external factors that can damage brick and mortar businesses, internal factors such as theft and dishonest employees, and now there are cyber criminals who are looking for your valuable intellectual property and/or compromising the personal information of customers or clients.
If you are a business owner looking to buy liability insurance, read Cincinnati Insurance Company reviews to learn about Cincinnati's products.
Check out Cincinnati Insurance's small business insurance reviews & ratings for general liability, workers comp and other commercial policies.
About Cincinnati Insurance Company
The Cincinnati Insurance Company was started in 1950 by 4 independent insurance agents and still uses that independent agency system today.
Independent and locally based insurance agents work with businesses to determine their insurance needs and the company provides the coverage and field agents for claims processing and service.
This way, businesses benefit from the personal relationship with their agent and still get quality coverage and support from the company. The Cincinnati Insurance Company reviews on the Internet are above average.
Commercial Insurance Products
Cincinnati Insurance uses commercial packages to design a policy based on business needs. The independent insurance agent will work with businesses to determine the appropriate packages and coverage limits. Below is a comprehensive description of Cincinnati Insurance's products - and industries covered:
Commercial Package Policy: This policy includes several types of coverage that can be adjusted to meet business needs, including:
- Property insurance: Property insurance covers not just the building, but also the contents of your building, including equipment, furniture, and inventory. Cincinnati Insurance Company reviews for commercial property are fair.
- General Liability: Coverage that protects businesses in case of damage or illness that may happen to other people, their property, or their reputation.
- Commercial Auto: Businesses can purchase protection for a wide range of vehicle types, including specialized vehicles unique to their operations.
This package may also contain crime and inland marine coverage if it is deemed necessary for your business. Additional supplements can be purchased as well to expand or increase existing coverage.
CinciPak Program: This is an expanded program for businesses who need more than just the standard coverages. This program includes property and general liability coverage and extends to provide coverage for electronic data processing and crime. This coverage is ideal for retail businesses, healthcare organizations, restaurants, and manufacturers.
Additional Commercial Coverage: Your insurance agent will work with Cincinnati Insurance to customize a package that works for you. Additional coverages may include data protection, management liability, identity theft protection and more.
Cincinnati Insurance Pricing
Since Cincinnati sells through independent agents, there is no pricing available online. Your insurance broker should be equipped with current pricing information as well as knowledge of current promotions and discount eligibility requirements. Business insurance rates are affected by a number of factors including; politics, social issues, and the overall economy all play a huge role in how much insurance companies charge. Insurance brokers are also current on the economic and political landscape, so they are able to discuss the way new legislations or social factors will affect rates and how to protect yourself.
Cincinnati Insurance Company reviews for pricing are hard to find online.
Cincinnati Insurance Claims
The Cincinnati Insurance Company has representatives and field agents on-hand to assist you if you have a claim. However, your independent insurance broker can step in and assist where needed.
Cincinnati Insurance Ratings Online
Following are some ratings found online which appear mixed:
- BBB.org - The Better Business Bureau rates them 3.7 out of 5 stars.
- WalletHub.com - WalletHub rates them 3.3 out of 5 stars.
Cincinnati Insurance Company Contact Information
Address: 6200 S. Gilmore Road, Fairfield, OH 45014
The Bottom Line On Cincinnati Insurance
Overall, Cincinnati Insurance Company reviews from their customers across the US are positive. Their longevity in the insurance space also speaks to their dedication to providing quality coverage and service to businesses.
Request a free Cincinnati Insurance Business Insurance quote in California, Delaware, Kentucky, New Jersey, New York, Pennsylvania and Texas. Also see Small Business Insurer Ratings: Acuity, AIG, Allstate, Amica, AmTrust, Chubb, Cincinnati, CNA, Dongeal, Erie, Esurance, Farmers, Foremost, GEICO, Guard, Hanover, Hiscox, Liberty Mutual, Merchants Insurance Group, Nationwide, Philadelphia Insurance Companies, Progressive, Selective, State Farm, The Hartford, Travelers, USAA, USLI, Westfield, Zurich
Commercial Insurance Broker ratings: BB&T Insurance Services, Bolt, Brown & Brown, Burns & Wilcox, Contractors Edge, CoverWallet, Day Care Insurance Services, Inc., Insureon, TechInsurance, USG Insurance Services
Small Business Independent Insurance Association Ratings: Trusted Choice
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